Give your child the ultimate head start with a plan that combines life cover with savings for their education. Set your savings goal as the insured amount and we’ll help you stay on track. You can choose to let the plan mature when your child reaches 2214, or withdraw cash early to cover things like school fees or private tuition. Withdrawals are subject to Surrender Charge in the first ten policy years. Please refer to “Surrender Charge” under “Details of Charges” for details
This is a long term universal life insurance plan underwritten by HSBC Life (International) Limited.
- Financial flexibility to adjust the sum insured if needs change15
- Choose to boost your account value with unscheduled premiums5
- Earn daily interest – at least 2% p.a. on your account value for the first 8 years
- Enjoy a loyalty bonus2 on your savings when the policy matures
- Enjoy additional protection benefits on terminal illness and payor’s benefits at no extra charges
- At policy maturity, your child can get new life cover without underwriting
【Special Benefits for COVID-19】
We promise to help protect you and your family in times of need. Because of the COVID-19 outbreak, we’re extending a complimentary special benefit to existing and new policyholders, as well as their partners and children. There are no limitations or special requirements on age or premium amount. See benefits details>
Speak with us
HSBC Jade and Premier customers
- Contact your Relationship Manager
Limited Time Offers
- Earn up to an extra $3,000 RewardCash!Pay new policy’s premium to HSBC Life with HSBC Premier Mastercard® Credit Card* to enjoy the offer. Offer ends 30 June 2021. T&C apply
Summary of cover
Policy Crediting Interest Rates
Manage your policy
Manage your policy online
Access your policy details anytime, anywhere on both your HSBC HK Mobile Banking app and our Personal Internet Banking webpage, so you can check your benefits, coverage, premium due dates and much more at your fingertips.
You can also request for a withdrawal from your policy account value and submit other service requests on our Personal Internet Banking webpage.
Make a claim
Sometimes life doesn’t go according to plan and you’ll want to make an insurance claim as soon as possible.
Simply call our Tele-Consultants at (852)3128 0122 who will assist you in preparing your relevant claim request(s).
You may also be interested in
HSBC Wealth Goal Insurance Plan II
An opportunity for long-term capital growth while enjoying life protection, with the option to transfer your plan according to your wishes.
HSBC Income Goal Deferred Annuity Plan
Pay for 5 or 10 years and receive a monthly retirement income for 10, 15 or 20 years after the accumulation period and a potential tax deduction in Hong Kong.
The above plans are life insurance plan underwritten by HSBC Life (International) Limited. Policyholders are subject to the credit risk of HSBC Life and early surrender loss.
3 Interests according to the prevailing General Crediting Interest Rate are credited to the Account Value. The General Crediting Interest Rate, though it is not guaranteed and may vary while your Policy is in force, will not be less than the Guaranteed Minimum Crediting Interest Rate.
5 The minimum amount of Unscheduled Premiums per transaction is USD625, which is subject to change by the Company from time to time. The acceptance of the Unscheduled Premium is at the Company’s discretion.
8 Terminal Illness Benefit is applicable to any Life Insured with Insurance Age9 between 15 days after birth and Insurance Age9 of 64. Terminal Illness Benefit will terminate when the Life Insured attains the age1 of 65, payout of this benefit or when the Policy is terminated (whichever is the earliest ). No Terminal Illness Benefits shall be payable under any of the below conditions:
• Any pre-existing condition from which the life insured was suffering prior to the Issue Date of the Policy or the effective date of this Benefit or the effective date of last reinstatement, whichever is the latest; or
• Any Human Immunodeficiency Virus (HIV) or any HIV-related illness including Acquired Immune Deficiency Syndrome (AIDS) or any mutations, derivation or variations thereof.
Please refer to the relevant supplementary benefits provisions for details of terms and conditions and exclusions.
10 Payor’s Benefit is applicable to policyholder aged 1914 to 6014 who is the holder of the Hong Kong Identity Card or Macau Identity Card. This benefit will terminate upon the Policy Anniversary at which the policyholder’s age11 at next birthday is 65 or the life insured’s age11 at next birthday is 22 or the policy is terminated or paid up (whichever is the earliest). This benefit is not applicable for single premium policies. Please refer to the relevant supplemental benefits provisions for the detailed terms and conditions.
12 The Planned Premium is determined according to the age and gender of the life insured, sum insured, payment term, policy currency and a variety of health and lifestyle factors. All Planned Premiums must be paid during the premium payment period selected upon policy application.
13 Surrender charge ranging from 1% to 55% applies during the first 8 policy years. For a policy being surrendered in early years, the surrender proceeds to be received under the policy may be significantly less than the premiums paid and you could lose all your premiums paid in the worst scenario.
15 Increasing the sum insured is subject to (i) underwriting; and (ii) increase the policy expense charge and insurance charge. Reducing the sum insured may induce surrender charge13.
The policyholder is subject to the credit risk of HSBC Life (International) Limited.
If the policyholder discontinues and / or surrenders the insurance plan in the early policy years, the amount of the benefit he / she will get back may be considerably less than the amount of the premium he / she has paid.
Past, current, projected and / or potential benefits and / or returns (e.g. bonuses, dividends, interests) presented herein are not guaranteed and are for illustrative purposes only.
The actual future amounts of benefits and / or returns may be lower than or higher than the currently quoted benefits and / or returns.
Goal Access Universal Life Plan (Education) is underwritten by HSBC Life (International) Limited ("the Company") which is authorised and regulated by the Insurance Authority (IA). The Hongkong and Shanghai Banking Corporation Limited (referred to as "HSBC") is an insurance agent authorised by the Company. Your benefit is subject to the credit risk of the Company. Your premiums paid will form part of the Company's assets. You do not have any rights or ownership over any of those assets. Your recourse is against the Company only. This product is a product of the Company but not HSBC and it is intended only for sale in the Hong Kong SAR.
Please refer to the respective product brochure for detailed features and the policy provisions for the detailed terms and conditions.
HSBC Life (International) Limited is incorporated in Bermuda with limited liability, and is one of the HSBC Group's insurance underwriting subsidiaries.